I can't go a day without being told to go online or to phone a number to check my credit score. I am guessing many of you know their score or knew it at one point. Do you know why it is good or bad or even what the number means for you? A low score doesn't always mean a high risk. A high score may mean you have but hardly use credit not that you are good with it. Small changes in the way you do things can bring about positive changes in your score and save a lot of money, but you need to understand the why behind the number.